Speaker: Jeff Owen

Real enterprise risk management (ERM) is about much more than just compliance. It’s a strategic compass that helps guide an organization toward success, helping you anticipate, adapt, and THRIVE!

• Gain a comprehensive understanding of the ERM framework, including its components and processes, and learn how ERM differs from traditional risk management approaches in objectives, scope, depth, and deliverables.  
• Learn how (and why) ERM can and should be leveraged for much more than regulatory and compliance requirements (and better understand where regulatory and compliance activity might fit into an ERM program), highlighting ERM’s contribution to strategic planning, decision-making, and, ultimately, value creation and long-term member value.
• Explore the advantages of embedding ERM and ERM-related components (i.e., risk appetite) into strategic planning processes, such as improved decision-making, increased alignment, enhanced resilience, and the identification of new opportunities for growth and competitive advantage (taking MORE of the right risk).
• Learn techniques and strategies to effectively integrate ERM into strategic planning and execution processes, ensuring that risk management contributes directly to achieving strategic goals.
• Equip attendees to identify and overcome common obstacles in aligning ERM with strategy, including organizational culture, resource allocation, and communication barriers. 

Speaker: John Bredehoft 

While not every compliance or communications glitch runs the risk of litigation, in today’s litigious society many of those risks will end up in court.  And winning a lawsuit is almost as bad – in time, expense, inconvenience, and distraction from the business of the credit union – as losing one.  This session will examine litigation trends in the credit union space with a focus on how to avoid problems (if avoidable) before they head to the courtroom.

Learning objectives

• Learn what issues are currently holding the enthusiasm of the plaintiff’s Bar, including trends in class action litigation.
• Discover issues that may seem like harmless nonsense at first, but which may hold a dangerous potential for going to court.  (Sovereign citizens, anyone?)
• Discuss preventing litigation and prevailing when sued: documentation, training, and compliance auditing and review. 

Speaker: David Reed

Do you have to answer that subpoena or garnishment? The answer is clearly…..maybe!  Almost every privacy law, rule and regulation require us to protect our members’ assets and financial data, but there are specific exceptions.  If you know where to look, there are very specific rules governing your response to valid requests and even your ability to seek recovery of expenses.  Your credit union needs to be prepared and understand what to do when you receive a legal request requiring you to hand over a member’s funds or personal information. Understanding the rules and avoiding common landmines will help reduce the risk and potential liability of an improper response.

Learning objectives

• Explore the requirements for proper jurisdiction.  
• Understand the basics of an effective tracking system.
• Learn the deadline(s) you need to know.
• Understand the orders or legal proceedings you need to follow.
• Understand if a court appearance is required, and if so, who should attend. 

Speakers: Alex Friedl, Brianda Rojas-Levering

Cyber threats are becoming increasingly more sophisticated and pervasive while regulatory pressure continues to place significant responsibilities on the board and senior leaders at the credit union. This session will share the latest cybersecurity trends impacting organizations and offer loss control practices for credit unions as they focus on building a security-aware organization. Attendees can expect to walk away with a better understanding of emerging threats that are influencing credit unions’ cyber posture, the importance of updating security policies and employee training, and greater awareness about how third and fourth-party relationships should be viewed within your cybersecurity programs.

Learning objectives

• Understand the current state of ransomware frequency and ransomware payments
• Understand how to prevent and minimize the impact of a ransomware attack on your credit union 

Speaker: Kristen Tatlock

Unlock the secrets to compliant social media promotion! Join us for an eye-opening session as we delve into the intricate world of advertising on social platforms. From one-clicks to consideration of stock photos, learn how to stay ahead of the game and safeguard your credit union against compliance snags. Don't miss this opportunity to transform your social media strategy from risky to remarkable!

Learning Objectives

• Identify what to address in your credit union’s Social Media Policy.
• Understand one-click and QR Codes – what works, what doesn’t.
• Discuss incorporating DE&I in your social media plans.
• Learn how to avoid social media advertising quagmires. 

Speaker: Michael Barnsback

Managing employees to avoid risk is a difficult but not insurmountable task. It requires the development of understandable policies that clearly establish performance expectations, but that alone is not sufficient.  Management must be trained on these policies to ensure that they are consistently and fairly applied. This presentation will provide an overview of policies and practices needed for a solid employment risk management program.  

Learning objectives

• See examples of how credit unions and their members can be at risk of fraud and liability for not having a strong employment risk management program
• Explore the tools available to help credit unions mitigate risk in employment decisions
• Understand the potential risk to your credit union when practices are not followed 

Speaker: Tyler Parker

To prevent large account risk of loss issues your credit union must proactively address them before opening any account for members. This program will provide solutions to major account risk issues all credit unions currently face, including: trusted contacts liability, beneficiaries on trusts liability, check deposits, legal document reviews (estates, guardianships, trusts, etc.), account form liability, cash withdrawals, powers of attorney liability, transaction purpose litigation, preventing overdraft litigation, agreements in other languages, checks presented for payment, and much, much, more.

Learning Objectives

• Build awareness of many major current account risk issues
• Understand the causes of losses from account risk issues
• Learn how to anticipate and prevent major account risk issues 

Speaker: Dawit Kebede

The presentation provides an analysis of macroeconomic trends and forecasts, focusing on their impact on credit union operations. It covers key aspects of the labor market, inflation, and monetary policy conditions, offering a comprehensive view of the evolving financial landscape.

Key topics discussed include

• Macro Economy Under a Changing Policy Environment
• Expected Outcomes for Credit Union Growth and Liquidity Position
• Trends in Asset Quality 

Speakers: Brian Dowgiallo, Patrick McNichol, Sue Vandermeuse

Tailored for busy credit union leaders, the panel will discuss the political players, the importance of making time for engagement for advocacy, and the multifaceted approach that credit unions can take to establish and maintain relationships with policymakers. This session will provide a roadmap for how your credit union can advocate for the issues that matter to you, and will feature some of the top tips and tactics for political outreach from the nation’s largest credit union.  

Learning Objectives

• Understanding the policies, the politics, and the players (this isn’t Grandpa’s Civics 101!)
• Understanding the importance of reaching out and how to advance from goals to results.
• Identify resources that you can use to build relationships with policymakers.